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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,850 | $57,073-49.5% | $85,126-66.1% | $80,925-64.3% |
| Participation rate | 36.6% | 56.4%-19.8pp | 67.5%-30.9pp | 67.7%-31.1pp |
| Annual return | 15.36% | 21.69%-6.3pp | 66.63%-51.3pp | 35.65%-20.3pp |
| Employer contribution / active EE | $609 | $1,801-66.2% | $2,731-77.7% | $2,756-77.9% |
| Participant deferral / active EE | $1,416 | $3,113-54.5% | $4,523-68.7% | $4,299-67.1% |
| Admin fee / account holder | $1,456 | $4,988-70.8% | $6,160-76.4% | $6,940-79.0% |